Call reports 2009
TWIN CEDARS BANK — 2009
What TWIN CEDARS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 51,351,000 | 51,714,000 | 51,452,000 | 51,840,000 |
| Total loans | 36,486,000 | 38,046,000 | 39,047,000 | 39,105,000 |
| Allowance for loan losses | 526,000 | 555,000 | 523,000 | 467,000 |
| Securities available for sale | 5,826,000 | 5,519,000 | 4,997,000 | 4,018,000 |
| Securities held to maturity | 2,020,000 | 2,440,000 | 2,189,000 | 2,189,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,224,000 | 47,490,000 | 47,208,000 | 47,568,000 |
| Interest-bearing deposits | 43,523,000 | 43,887,000 | 43,220,000 | 43,205,000 |
| Noninterest-bearing deposits | 3,701,000 | 3,604,000 | 3,988,000 | 4,363,000 |
| Equity capital | 3,804,000 | 3,867,000 | 3,962,000 | 3,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 752,000 | 1,513,000 | 2,292,000 | 3,077,000 |
| Interest expense | 332,000 | 651,000 | 945,000 | 1,217,000 |
| Net interest income | 420,000 | 862,000 | 1,347,000 | 1,860,000 |
| Noninterest income | 63,000 | 126,000 | 189,000 | 247,000 |
| Noninterest expense | 387,000 | 748,000 | 1,117,000 | 1,564,000 |
| Provision for loan losses | 60,000 | 125,000 | 175,000 | 230,000 |
| Pretax income | 36,000 | 115,000 | 244,000 | 313,000 |
| Income tax | 2,000 | 6,000 | 12,000 | 16,000 |
| Net income | 34,000 | 109,000 | 232,000 | 297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,707,000 | 3,773,000 | 3,883,000 | 3,932,000 |
| Total capital | 4,163,000 | 4,250,000 | 4,367,000 | 4,399,000 |
| Risk-weighted assets | 36,429,000 | 38,108,000 | 38,646,000 | 38,941,000 |
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